Health insurance on the road
I am sure this has been discussed before so if so I apologize for asking again. Neither my wife or I are old enough to get medicare so we purchase our plan here in our home state of CT. We generally s...
Forum Discussion
Big Katuna wrote:Given your very high premiums, I would guess that your deductibles are very low, or, your income is rather high, to the extent you do not qualify for a subsidy.Big Katuna wrote:
United and Cigna have national plans.
We have been paying for our own insurance for twenty years.
While not cheap, the ACA has saved us money and we get better coverage, lower deductibles.
I would recommend finding a reputable agent that carries many lines.
When I said this, I had not learned of the changes from 2015 and 2016.
United and Cigna have discontinued their national PPO policies.
Deductibles have gone up, esp for out-of-network.
There are national plans, but they are in network.
The best we have found is a Humana POS (point of service) National. $4000 pp deductible. HSA compatible. About $1500/mo, a little less than this year but we had lower deductibles and more co-pays.
As long as you have your heart attack near a Humana network facility, you will be covered after your deductible. The network in FL is pretty good; Shands, Mayo, Orlando Regional, etc. Humana has one of the largest nationwide networks.
Out of network deductible is fairly gruesome; $16K pp.
All your annual diagnostic stuff is covered per ACA.
It seems all the ACA does (and it is not insignificant) is remove the lifetime cap, make policies available to those who were previously un-insurable, and require preventative tests paid for.
Pre ACA we had to pay for every office visit, every test, rates were higher, deductible about the same and we had a two million life time cap which we had eaten away at about half.
While affordable, it is not cheap. Should be called slightly better than it used to be for some people.
If the ACA is repealed, we will both be un-insurable.
I'm sure our wonderful leaders will get it sorted out by the time I hit 65
When you turn 65, you won't have to worry about whether or not there is an ACA in place. You'll automatically go on Medicare, or, Medicaid - whichever one you qualify for, you will be covered.
